Online Loan

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En mieux, cofinancé par l'Union Europénne, Wallonie

Up to €75,000 in financing alongside your bank — simple, fast, and efficient.

Product type: Subordinated loan
Granted through: Through your bank
Business stage: Creation, growth, transfer
Minimum amount: No minimum
Montant max: €75,000 (up to the amount of the associated bank loan)

For whom?

This product is intended for:

Self-employed professionals and SMEs
Located in Wallonia*
Not in financial difficulty*
Operating in an eligible sector*

For what purpose?

This loan allows you to finance:

Real estate and equipment investments
Working capital needs
The takeover of an existing business

Duration

p to the same duration as the associated bank loan, with a maximum of 15 years, which may be extended by up to 2 additional years of grace period.

Interest rate

Bank rate minus 2%, with a minimum rate of 2.5%.

Specific features

Can be combined with the Online Guarantee, bringing WE’s total risk coverage up to 87.5% of the financed project.

Subordinated loan, repaid quarterly (constant capital).

No collateral or minimum personal contribution required.

Associated bank loan:

Amortising loan

Online process

Once your company’s eligibility is confirmed, your bank submits the loan request to Wallonie Entreprendre via a secure online platform. No prior approval is required. The platform instantly generates the WE loan agreement, which is automatically sent to your company by email.

The funds are usually transferred within five days after WE receives the signed agreement (by email) and confirmation from your bank that the joint bank loan has been activated.

To apply for an Online Loan (available to partner banks only), click here.

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Vous souhaitez bénéficier de ce prêt ?

Tell us about your project

*Glossary

Definitions

Operating headquarters and/or investment location in Wallonia
A company is presumed to be in difficulty:
- When its equity is negative.
- When the conditions for submission to collective insolvency proceedings are met, in particular when the company resorts to a judicial reorganisation procedure (PRJ)
For companies that have been in existence for more than three years only:
- When equity capital is reduced to less than half of the subscribed capital and more than a quarter of the subscribed capital has been lost over the last 12 months
The business files in which Wallonie Entreprendre can intervene must not operate in the following areas:
- Road haulage for hire or reward where the financing concerns the acquisition of goods transport vehicle(s)
- Primary production of agricultural products listed in Annex I to the Treaty on the
- Functioning of the European Union
- Banking, finance and insurance, with the exception of multi-brand insurance brokers
- Property development
- Production and/or distribution of energy or water, with the exception of energy production from renewable energy sources or high-quality cogeneration
- Education and training
- Culture, with the exception of audiovisual production
- Fishing and aquaculture
- Shipbuilding
- Production, processing and marketing of tobacco and tobacco products.